This company lures you in with cheap discount rates and tells you they will mail you the terms of your agreement afte it has been approved. The terms of which you have come to understand through telephone conversations with their agents. The problem is they don't send you the agreement and then over time you start to notice the rates have changesd and the monthly fees have gone up. Months go by and of course you intend to look into it but because you are busy you do not. Finally when you run a $1, 000 ticket through and notice your rate is twice what it should be you start calling.You get no where. No one has the authority do anything. So finally you decide to get out but wait there is more. You can't get out because in the fine print it says if you quit early you have to pay $250.

The most recent was when we changed banks. We called and made arrangements to move the bank. They continue to bill the old bank. The old bank say they aren't here anymore so guess what you get a $25 fee on a $10 charge. You call and they tell you well were are a separate company. You inter your transactions though us but somebody else clears your trade. You told them but not us. So we changed with FNMS. Guess what they run the monthly minimum again to the dead bank. Another $25 and now a $10 charge has escallated to $70. Better pay up because you signed a personal guarantee and we'll come get you.

I would advise anyone to stay away from these people. They may sound nice but they are not. It is criminal but not enough for the authorities to shut them down. They should check out the other posts.